Posted by Betsy Graziano on 10/27/2017

Originally built in 1900 this stunning renovated antique has been completely updated but retains some of the original charm. The home has an open floor plan w/ an easy flow from the generous interior rooms through to the large exterior space. There is a gracious front porch with comp. deck & beadbd. ceiling which wraps around the front & into the kitchen. From the din. rm & fam. rm you have access to the huge rear deck for grilling, entertaining & to enjoy the ingrnd.saltwater pool/gazebo.The kitchen is cabinet packed with gran.ctr., SS appliances includ. double ovens. There is a large, sun filled eating area as part of the kitchen for family meals & a din. rm open to both the liv. rm & fam rm for larger gatherings. The step down family room offers a gas fireplace, window seat and pocket doors leading to the study. Master w/ huge cath.ceil., en suite bath w/ jacuzzi, 3 other large bdrms,1 with en suite plus a nursery/2nd study. Hdwds throughout, 2nd floor laundry. Quick access to 495.

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Posted by Betsy Graziano on 10/2/2017

When was the last time you examined the lighting in your hallway? For home sellers, you may want to consider revamping the lighting in your hallway. By doing so, you can brighten up your hallway, and ultimately, help make your home more appealing to prospective homebuyers. So what does it take to improve your hallway lighting? Here are three tips to consider: 1. Add Lighting Controls. Although you may already have a light switch to control your hallway lighting, incorporating a dimmer switch or occupancy sensor into your hallway may prove to be a great option to enhance your hallway's overall appearance. A dimmer switch ensures you can brighten or dim your hallway as much or as little as you choose. The added control provided by a dimmer switch enables you to create a certain ambiance that you can share with homebuyers when they check out your residence. Comparatively, an occupancy sensor detects when a person walks through a hallway automatically. This sensor may serve as a distinct feature in your home, one that may help your residence stand out in the eyes of homebuyers. 2. Incorporate Wall Sconces. For home sellers who want to impress prospective homebuyers the moment they enter a hallway, wall sconces may serve as ideal additions. Wall sconces come in many shapes and sizes, allowing you to select lighting that matches your hallway's décor beautifully. Also, wall sconces are available that enable you to create both up and down lighting that can give your hallway a one-of-a-kind look and feel. Try to find wall sconces that deliver a sense of balance in your hallway. By doing so, you'll be able to utilize wall sconces that provide a superior mix of fashion and function. 3. Install Track Lighting. Looking to brighten up a long hallway? Choose track lighting – you'll be glad you did! Track lighting typically runs parallel to your hallway's walls and offers immense versatility. Therefore, it serves as a wonderful option for those who want to make a hallway dazzle day after day. In many instances, you can change the direction of track lighting with ease, too. This type of lighting gives you superb flexibility, and as such, remains an exceedingly popular option in many homes. When it comes to brightening up a hallway or any other area of your home, be sure to evaluate all of the options at your disposal. Remember, you'll want to do whatever you can to help your residence sparkle, and the right lighting may enable you to transform a dull hallway into an eye-catching one. Lastly, don't forget to consult with your real estate agent before you perform hallway lighting improvements or other home repairs. This real estate professional likely boasts years of industry experience and will be able to guide you as you explore ways to make your home more attractive to homebuyers. Take a close look at your home's hallway lighting, and you're sure to find many great lighting options that you can use to help your residence stand out in any real estate market.





Posted by Betsy Graziano on 9/25/2017

It takes as little as two to three missed mortgage payments to receive a foreclosure notice from your lender. Receiving a foreclosure letter from your bank can be as unnerving as receiving a letter from the IRS. What you may not know is that there are generally two stages to the foreclosure process.

Take action on a house foreclosure notice

At first, you will likely receive a notice or letter that you have defaulted on your loan. The type of letter that you receive depends on the housing laws in the state that the house is located in. Additionally, depending on the details in your mortgage, you may need to go to court to start and finalize a foreclosure.

Details included on a loan default notice may include your  full name, street address and the lender's name and address. The reason why you are receiving the notice is also included. There's a likelihood that you will also receive a date by which, if you get caught up in your mortgage payments, you can remain in your house.

Which raises the first step that you could take to keep your house out of foreclosure. As soon as you receive a notice of mortgage default, contact your mortgage lender. Work out a date by which you can get caught up in your loan payments. Go with a date that you know you can meet. If you get caught up in mortgage payments by an agreed date, you can avoid receiving a foreclosure notice of sale.

More ways to keep your house out of foreclosure

Additional actions that you could take to keep your house out of foreclosure will impact your financial health over several years. However, there is another step that could keep you from dealing with a damaged credit rating. But, let's start with the early steps.

Schedule a meeting with your bank and discuss a loan modification. Again, make sure that you can meet the adjusted monthly mortgage payments. It does you no good to work out a temporary plan that you will only default on within a few months.

Take out aloan with another lender to cover the cost of the late payments. Only take out enough to cover the amount of mortgage that you are behind on. This should bean absolute last option, as it will cause you to take on more debt.

Another late option is to file bankruptcy. You will likely need to come up with bankruptcy filing fee. It is possible to find attorneys who will cover their fees until after the bankruptcy goes through. Just know that a bankruptcy will affect your credit for seven years.

You could also ask relatives to give you enough money to get caught up in your mortgage payments. Do this early, long before the bank moves your foreclosure to the sale stage. To avoid having your house go through foreclosure, take on a second job. For example, you could take on contractor work on weekends or in the evenings at home.

Depending on the amount of equity that you have in your home, you could sell items at your house to raise enough to cover late mortgage payments. As worried as you might become after you receive a foreclosure notice, you do have options. Start brainstorming for ways that you could rectify the situation. Above all, take action and reach out to your lender.




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Posted by Betsy Graziano on 9/18/2017

Utility bills are the second most costly expense for many homeowners, second only to a mortgage. Unlike your mortgage, monthly utility bills fluctuate, rising and falling several hundred dollars a month between hot and cold seasons. Take steps to lower your home utility costs to raise your personal savings and have money to cover housing maintenance and repairs.

Small changes that turn into utility bill savings

Included among utility bills are water, sewage, trash, electric and gas services. Some jurisdictions consider telephone bills to be utility bills as well. Even in mild climates, a 1500 square foot house can use $100 a month in electricity alone.

Own a house that operates mostly off gas and you're gas bill may easily outpace your electric bill. The one area where utility bills can rise, whether your house operates mostly off of electricity or gas, regards hot water. Which leads into the first easy action that can reduce your utility bill.

Turn the temperature down on your hot water heater. You'll need to mark the current temperature setting on your hot water heater. Then, mark where you want to set the lower temperature. Measure the adjusted temperature. To save on your utility bill, you can also turn your water heater off when you're away from home for a day or longer.

Contact your utility company and schedule a review of your home. An experienced representative will come to your home and find leaks and worn filters. The representative will let you know if any appliances need to be replaced.

Keep utility bill savings going

Switch air conditioners and heaters off when you leave home for work. Use floor and ceiling fans when it's not especially hot outside. After several days, your body's internal thermostat may adjust, making it easier for you to get comfortable without turning on the air conditioner.

Close doors to rooms that you're not using. This includes the door to your attached garage.To keep more heat inside your home, open blinds and drapes. When it's hot outside, keep blinds and drapes partially closed. Also, seal windows and doors. Adding more insulation to walls and ceilings is another way to keep heat inside your home when it's cold outside.

Easiest of all the ways to save money on utility bills may be to turn water off while you shave and brush your teeth. Washing your vehicle at a public car wash saves on water. Close the freezer and the refrigerator while you're cooking. Flush the toilet after you relieve yourself, but avoid using the toilet as a trash receptacle. Each toilet flush uses approximately 1.6 gallons of water. Older toilets can use more than three times that amount with each flush.

Save $5 to$10 off each utility and you could pocket $30 or more a month. Cut back on utility usage even more and you might discover that you can do without one or more utilities. Instead of using the savings to take on new debt, invest in your future. Shift money that you save on your utility bill onto retirement accounts and bank savings.




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Posted by Betsy Graziano on 9/16/2017

Welcome to elegant! This beautiful home, situated on over an acre of land, is located in one of Norfolk's most prestigious neighborhoods. The foyer opens to a large dining room as well as a formal living room that could also be used as a study. The kitchen is appointed with custom cabinetry, granite counters & a large center island. The open floor plan along the back of the home allows you to be cooking in the kitchen while enjoying a fire in the family room fireplace. At the same time you will appreciate the views in to the screen porch & emerald green back yard. Hardwood flooring throughout most of the first floor. The second floor has 4 generous sized bedrooms & an updated family bathroom. The luxurious master suite has 2 w/i closets and a stunning new master bath with soaking tub, double sinks, granite & tiled shower with borderless glass door. The screen porch & grill deck create a serene oasis with a coy pond and waterfall. Minutes to the train & Patriot's Place. OH CANCELLED!

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